5849 State Rd J, Fulton, MO 65251 Property Records

Callaway County property record for 5849 State Rd J, Fulton, MO 65251

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,580 sqft · built 1992
Lot Size	9.98 acres (435,164 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,104 (2025)
Deeds & Mortgages	Jul 2021 Refinance Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-06.0-14.0-00-000-017.006`

Property Details

APN / Parcel Number

Primary APN	`15-06.0-14.0-00-000-017.006`
Alternative APN	`1506014000000010000`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,580 sqft Living Area
1st Floor Area	840 sqft
Attic	Attic
Attic Area	462 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Construction Type	Frame
Lot Area	435,164 sqft (9.98 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	369 sqft
Patio Area	418 sqft
Lean-To	644 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Oil

Location & Zoning

Account Number	1506014000000017006
Street Address	5849 STATE ROAD J
City	FULTON
State	MO
Zip	65251-5741
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW NE
Jurisdiction	CALLAWAY MO
Township / Civil Division	ROUND PRAIRIE
Census Block Group	1
Census Block	1004
Census Tract	70601

Owner

5849 State Rd J is owned and occupied by two individuals who acquired it in February 2022.

Source: Callaway County records, as of January 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5849 STATE ROAD J, FULTON, MO 65251-5741
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EXCHANGE BANK OF MISSOURI
Nov 27, 2017	Deed of Trust, Mortgage EXCHANGE BANK OF MO
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EXCHANGE BANK OF MISSOURI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2022
Deed Sale	Feb 22, 2022
Deed Document Number	0000049861
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	5849 STATE ROAD J, FULTON, MO 65251-5741
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000247/151
Date	Jul 12, 2021
Book Page	247/151
Instrument	202105363

Lender

Name	EXCHANGE BANK OF MISSOURI

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	5849 STATE ROAD J, FULTON, MO 65251-5741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000239/0000000921
Date	Nov 27, 2017
Book Page	0000000239/0000000921
Instrument	201708147

Lender

Name	EXCHANGE BANK OF MO

Agreement

Amount	Amount on Record
Term	158 Months
Due	Jan 1, 2031

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLAWAY MO
Property Address	5849 STATE ROAD J, FULTON, MO 65251-5741
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	245/120
Date	Sep 30, 2020
Book Page	245/120
Instrument	202006889

Lender

Name	EXCHANGE BANK OF MISSOURI

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 5849 State Rd J was $2,104.

Source: Callaway County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Callaway County
Unified School District	Fulton 58 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,104.00	$34,403 (-)	$181,070 (-)
2024	$2,104.00 (+0.57%)	$34,403 (-)	$181,070 (-)
2023	$2,092.00 (+2.1%)	$34,403 (+1.4%)	$181,070
2022	$2,049.00	$33,928 Land $2,848 Building $31,080
2021			$178,570 Land $14,990 Building $163,580

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5849 State Rd J in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 5, 2012

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5849 State Rd J is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CALLAWAY 2 WATER DISTRICT serves 13,080 people · EPA ID MO3024085
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Callabyte Fiber	1,000 / 1,000
FireServe Fixed Wireless · not low latency	100 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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